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Protecting your tenancy when arrears are building

The earlier you talk, the better the outcome. Practical steps for tenants under pressure.

Rent Arrears3 min readReviewed July 2026

Communicate early. Landlords fear silence more than arrears. A short honest email — 'I'm going to be £X short this month, here's what I can pay and when I can catch up' — often prevents formal notices being issued.

Check your benefits. Many working households are entitled to Universal Credit or Housing Benefit and don't claim it. A benefits check via Turn2us or entitledto takes 10 minutes and often finds meaningful monthly income.

If eviction proceedings begin, seek housing help immediately from your local council's housing options team, Shelter or Citizens Advice. They can help you access Discretionary Housing Payments, negotiate with the landlord and prepare for court.

General information, not personalised adviceThis article is written to inform. It isn't personalised debt or legal advice, and Debt Compass is not authorised by the Financial Conduct Authority. A team member can talk you through the options and point you to a free debt help service or authorised insolvency practitioner before you decide on anything.